Many clients have wanted to know how are life insurance premiums calculated. Insurance companies try to minimize their risk when setting the rates that you will pay for an insurance policy. They try to ensure that the premiums paid are higher or lower based on any health or lifestyle risk that you have in your…
Read moreIt is estimated that nearly half of all Americans who have a life insurance policy are drastically underinsured. This means if they were to unexpectedly pass away, their spouse and loved ones would not have the financial security to pay off any debt and expenses left behind. While deciding to get life insurance coverage in…
Read moreBudgeting for a funeral isn’t exactly the most enjoyable way to spend an afternoon, especially if it’s your own, but death is an unavoidable part of life that we have to plan for. A funeral and burial are a huge expense which is why having a comprehensive plan to help your loved ones pay for yours is a good idea. To make the planning process as easy as possible, we’re here to help you get a feel for the average funeral cost.
Read moreSelectQuote is a company whose services are well designed to match you with the perfect life insurance coverage options for your unique situation. No matter your age, gender, or health status, SelectQuote was designed to assist you in navigating the sometimes dull and dreary process of finding the correct life insurance provider.
But how successful is SelectQuote, really? And what should users know before enlisting its services? Fear not, we’re here to help you sort everything out with our comprehensive SelectQuote review.
Read moreGlobe Life is known for its hyper-simplified application process where clients can bypass the undergoing a medical examination. With Globe Life, you can easily purchase affordable life insurance as long as your needs for coverage are minimal. This insurance is not recommended for everyone due to its limitations in terms of service and coverage, however, their policies may be perfect for some people.
Low-income families could benefit significantly from Globe Life’s policies as could people with health conditions who need basic, affordable life insurance. Your needs may very well exceed what is offered by Globe Life and, if the coverage you require is more specialized, you should look elsewhere. That being said, for the people who would benefit from this provider, we’re going to take you through the ins and outs of this company’s policies.
Read moreEthos is another highly rated and reviewed web-based insurance company designed for 21st-century efficiency. Its company goal is to make the process of applying for and acquiring life insurance easier and more accessible. In just a few minutes, the company provides instant quotes and coverage.
The vast majority of consumer ratings are positive for Ethos Insurance, with the speedy application and approval process being the number one reason why people are so quick to choose this company and its policies.
Read moreIf you have a diagnosis of schizophrenia or bipolar disorder, acquiring life insurance may be difficult, frustrating, or daunting at the very least. Many people living with these conditions have reported being declined by life insurance companies or being charged excessive rates for minimal coverage. While it’s true that the process is not an easy one, it is not impossible.
Much depends on the seriousness or severity of your condition and the success of treatment methods. For example, whether you are on medication or going to therapy. Even if these conditions have a huge impact on your daily life, you may qualify for standard life insurance policies. As a last resort, there are guaranteed issue polices that may suit your needs.
Read moreGifting life insurance proceeds is a terrific way to benefit your favorite charity when you pass away. Not to mention the fact that you may even lower your income tax and reduce the bite estate taxes take with a little planning. Unfortunately, a lot of people don’t strategize when they donate money to a cause,…
Read moreLife insurance can be complicated, with so many words thrown about like “Riders” and “term” and “variable”. If you have a family there are even more things with which to concern yourself, like coverage for kids and a spouse. Thankfully, once you understand the basics, it becomes much easier to decide on a family life…
Read moreThere are many different types of kidney disease. With this pervasive and sometimes life-threatening illness group, it can be difficult to find life insurance for dialysis patients. But defining the illness type and its prognosis will let the agent know what is insurable and what is not an insurable kidney problem. A surgery, like donating…
Read more